小企业融资困难问题的解析和对策.docVIP

摘 要 目前，我国中小企业自有资金缺乏，融资渠道狭窄不畅，融资需求难以得到满足，信用担保体系尚未完善，分析其自身存在抗风险能力低，改制不规范，信用观念淡薄，财务制度不完善；外部环境存在信用担保体系不完善等原因，笔者认为应从企业自身、金融系统、政府及其他方面等多方面协作，彻底解决中小企业融资难问题。 本文共分为六部分。第一部分是前言，主要是对我国中小企业融资背景的介绍。第二部分主要讲我国中小企业的相关理论，包括中小企业的界定标准和作用地位。第三部分是目前我国中小企业的融资现状。第四部分是对我国中小企业融资难的原因分析。第五部分作者提出了一些解决中小企业融资难的切实可行的对策。第六部分是结论。 关键词：中小企业；融资；信用担保；金融创新 Abstract Presently, SMEs in our country has many problems, such as the lack of funds, the poor narrow financing channels, the difficulties to meet the financing needs, and the imperfect credit guarantee system. Depend on those problems, this article analyzes their own abilities to resist risks are low, that conversion is not standardized, that the concept of credit is weak, that the financial system is imperfect, and external environments such as credit guarantee system are not well. I believe that all of those can be solved, when we collaborate many aspects such as the enter enterprises, financial systems, government and many other aspects. This paper is divided into six sections. The first part is introduction, mainly on the background of the introduction of SME financing. The second part is mainly about the theory of SMEs in China, including the role of SMEs in the definition of standards and status. The third part is the current status of SME financing. The fourth part is the financing of SMEs reason analysis. The fifth part of proposed some practical difficulties in financing small and medium response. Part VI is the conclusion. Key Words: SMEs, financing, credit guarantee, financial innovation 目 录 1 前言 中小企业融资难是一个世界性的难题，发达国家和部分新兴市场经济国家，经过较长时问的市场经济发展过程，逐步建立了一套在完善信用体系基础上的包括信用机构、担保机构、中小银行、创业投资体系和创业板市场在内的中小企业直接、间接融资的市场体系和政府政策支持和扶持体系，给中小企业融资提供了全方位的融资支持服务，有效地支持了中小企业的发展。在我国，中小企业占企业总数的90%以上，在我国工业总产值和实现利税中的比重分别是60%和40%，并为社会提供了75%的城镇就业机会。然而长期以来，中小企业融资渠道狭窄、融资数量少、融资结构不合理、融资成本高等问题一直是困扰中小企业发展的重要制约因素。中小企业贷款难、上市筹资难，资金供需严重脱节，已成为制约中小企业进一步发展的瓶颈。如果这种现象得不到充分改善，中小企业将难以持续快速发展，将直接影响整个国民经济的发展。 2 我国中小企业的相关理